XCEL
Bloomfield, NJ · Federal Credit Union · Chartered in NJ
Who can join
Community — open geographic area
Members
12,009
Net Worth Ratio
10.88%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$186.0M
Peer Group 5
Members
12,009
as of latest quarter
Net Worth Ratio
10.88%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$186.0M
Total Shares
$168.1M
Total Loans
$123.9M
Net Income
$15K
Net Worth Ratio
10.88%
≥7% = Well Capitalized
Members
12,009
Return on Assets
0.01%
annualized · >0.5% healthy
Delinquency Rate (60d+)
1.13%
$1.4M
Loan-to-share ratio: 73.7%· healthy range 60–80%
Branch Locations
NCUAXCEL Federal Credit Union
1460 Broad St, Bloomfield, NJ, 07003
Monday thru Friday 8:00 am---5:00 pm
XCEL Federal Credit Union
30 Path Plz, Jersey City, NJ, 07306
Monday Thru Friday 9:00 am---6:00 pm
XCEL Federal Credit Union
26 Federal Plz Fl 31, New York, NY, 10278-1300
Monday Thru Friday 9:00 am to 5:00 pm
Bloomfield Branch
1460 Broad St, Bloomfield, NJ, 07003
By Appointment Only
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/xcel" target="_blank" rel="noopener">View XCEL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.